Method, system, and computer program product for representing an identifier with a sequence of words

ABSTRACT

Provided is a method for representing an identifier (e.g., primary account number (PAN)) of a customer with a sequence of words. The method may include dividing the identifier (e.g., PAN) of a customer into a plurality of subsets of digits. A respective word from a database of words may be determined for each respective subset of digits of the plurality of subsets of digits. The respective words for the plurality of subsets of digits may be combined into a sequence of words. The sequence of words may be provided to a customer device of the customer. A system and computer program product are also disclosed.

BACKGROUND 1. Field

This disclosed subject matter relates generally to methods, systems, andproducts for representing an identifier with a sequence of words and, insome particular embodiments, to a method, system, and computer programproduct for representing a primary account number (PAN) of a customerwith a sequence of words.

2. Technical Considerations

Certain interactions (e.g., online interactions, payment transactions,money transfers, and/or the like) may depend on using an identifier(e.g., social security number, online username, account identifier, aprimary account number (PAN), a card number, a payment card number, atoken, and/or the like) to identify a user (e.g., customer and/or thelike) involved in the interaction. For example, the user may need toprovide, communicate, and/or input (e.g., type, speak, and/or the like)such an identifier.

However, using and/or communicating certain identifiers (e.g., numericidentifiers such as social security numbers, PANs, and/or the like) maybe challenging. For example, such identifiers may be difficult toremember. Additionally or alternatively, using such identifiers may beprone to errors, e.g., because the user (e.g., customer and/or the like)may misremember the identifier, mistakenly input the identifier (e.g.,mistype, misspeak, and/or the like), and/or the like. Additionally oralternatively, if a user (e.g., customer and/or the like) does notremember the identifier or does not trust his or her memory of such anidentifier, such user may have to spend time searching for a record ofthe identifier (e.g., social security card, payment card, debit card,credit card, account identification device, portable financial device,quick response (QR) code, written or electronic copy of username, and/orthe like).

SUMMARY

Accordingly, it is an object of the presently disclosed subject matterto provide methods, systems, and computer program products forrepresenting an identifier with a sequence of words.

According to non-limiting embodiments, provided is a method forrepresenting an identifier (e.g., account identifier number such as aprimary account number (PAN) of a customer) with a sequence of words. Insome non-limiting embodiments, a method for representing an identifier(e.g., account identifier number such as a PAN) with a sequence of wordsmay include dividing an account identifier number of a customer into aplurality of subsets of digits. A respective word from a database ofwords may be determined for each respective subset of digits of theplurality of subsets of digits. The respective words for the pluralityof subsets of digits may be combined into a sequence of words. Thesequence of words may be provided to a customer device of the customer.

In some non-limiting embodiments, the plurality of subsets of digits mayinclude a first subset of three digits, a second subset of four digits,a third subset of four digits, and a fourth subset of four digits.Additionally or alternatively, the respective word for the first subsetmay include an adverb, the respective word for the second subset mayinclude a first adjective, the respective word for the third subset mayinclude a second adjective, and the respective word for the fourthsubset may include a noun. Additionally or alternatively, the sequenceof words may include, in order, the adverb, the first adjective, thesecond adjective, and the noun.

In some non-limiting embodiments, a dictionary may be received, and thedictionary may include a plurality of words. Additionally oralternatively, a portion of the plurality of words may be filtered fromthe dictionary. Additionally or alternatively, a remaining portion ofthe plurality of words may be stored as the database of words.

In some non-limiting embodiments, at least one word from the database ofwords may be assigned for each possible subset of digits. Additionallyor alternatively, determining the respective word from the database ofwords for each respective subset of digits may include determining theat least one word from the database of words assigned to a possiblesubset of digits corresponding to the respective subset of digits.

In some non-limiting embodiments, an authorization request for a paymenttransaction may be received from a merchant system, and theauthorization request may include the sequence of words. Additionally oralternatively, a reconstructed subset of digits for each word of thesequence of words may be determined. Additionally or alternatively, thereconstructed subsets of digits may be combined into a reconstructedaccount identifier number. Additionally or alternatively, thereconstructed account identifier number may be determined to match theaccount identifier number of the customer. Additionally oralternatively, the payment transaction may be processed using theaccount identifier number of the customer.

According to non-limiting embodiments, provided is a system forrepresenting an identifier (e.g., account identifier number such as aPAN) with a sequence of words. In some non-limiting embodiments, thesystem for representing an identifier (e.g., account identifier numbersuch as a PAN) with a sequence of words may include a transactionservice provider system. The transaction service provider system maydivide an account identifier number of a customer into a plurality ofsubsets of digits. The transaction service provider system may determinea respective word from a database of words for each respective subset ofdigits of the plurality of subsets of digits. The transaction serviceprovider system may combine the respective words for the plurality ofsubsets of digits into a sequence of words. The transaction serviceprovider system may communicate the sequence of words over a network.

In some non-limiting embodiments, the system may further include acustomer device of the customer. The customer device may receive, fromthe transaction service provider system over the network, the sequenceof words.

In some non-limiting embodiments, the plurality of subsets of digits mayinclude a first subset of three digits, a second subset of four digits,a third subset of four digits, and a fourth subset of four digits.Additionally or alternatively, the respective word for the first subsetmay include an adverb, the respective word for the second subset mayinclude a first adjective, the respective word for the third subset mayinclude a second adjective, and the respective word for the fourthsubset may include a noun. Additionally or alternatively, the sequenceof words may include, in order, the adverb, the first adjective, thesecond adjective, and the noun.

In some non-limiting embodiments, the transaction service providersystem may further receive a dictionary comprising a plurality of words.Additionally or alternatively, the transaction service provider systemmay further filter a portion of the plurality of words from thedictionary. Additionally or alternatively, the transaction serviceprovider system may further store a remaining portion of the pluralityof words as the database of words.

In some non-limiting embodiments, the transaction service providersystem may further assign at least one word from the database of wordsfor each possible subset of digits. Additionally or alternatively,determining the respective word from the database of words for eachrespective subset of digits may include determining the at least oneword from the database of words assigned to a possible subset of digitscorresponding to the respective subset of digits.

In some non-limiting embodiments, the transaction service providersystem may further receive, over the network, an authorization requestfor a payment transaction from a merchant system, and the authorizationrequest may include the sequence of words. Additionally oralternatively, the transaction service provider system may furtherdetermine a reconstructed subset of digits for each word of the sequenceof words. Additionally or alternatively, the transaction serviceprovider system may further combine the reconstructed subsets of digitsinto a reconstructed account identifier number. Additionally oralternatively, the transaction service provider system may furtherdetermine the reconstructed account identifier number matches theaccount identifier number of the customer. Additionally oralternatively, the transaction service provider system may furthercommunicate a second authorization request for the payment transactionincluding the reconstructed account identifier number over the network.

In some non-limiting embodiments, the system may further include anissuer system configured to receive, from the transaction serviceprovider system over the network, the second authorization request.

According to non-limiting embodiments, provided is a computer programproduct for representing an identifier (e.g., account identifier numbersuch as a PAN) with a sequence of words. The computer program productmay include at least one non-transitory computer-readable mediumincluding one or more instructions that, when executed by at least oneprocessor, cause the at least one processor to divide an accountidentifier number of a customer into a plurality of subsets of digits. Arespective word from a database of words may be determined for eachrespective subset of digits of the plurality of subsets of digits. Therespective words for the plurality of subsets of digits may be combinedinto a sequence of words. The sequence of words may be provided to acustomer device of the customer.

In some non-limiting embodiments, the plurality of subsets of digits mayinclude a first subset of three digits, a second subset of four digits,a third subset of four digits, and a fourth subset of four digits.Additionally or alternatively, the respective word for the first subsetmay include an adverb, the respective word for the second subset mayinclude a first adjective, the respective word for the third subset mayinclude a second adjective, and the respective word for the fourthsubset may include a noun. Additionally or alternatively, the sequenceof words may include, in order, the adverb, the first adjective, thesecond adjective, and the noun.

In some non-limiting embodiments, a dictionary may be received, and thedictionary may include a plurality of word. Additionally oralternatively, a portion of the plurality of words may be filtered fromthe dictionary. Additionally or alternatively, a remaining portion ofthe plurality of words may be stored as the database of words.

In some non-limiting embodiments, at least one word from the database ofwords may be assigned for each possible subset of digits. Additionallyor alternatively, determining the respective word from the database ofwords for each respective subset of digits may include determining theat least one word from the database of words assigned to a possiblesubset of digits corresponding to the respective subset of digits.

In some non-limiting embodiments, an authorization request for a paymenttransaction may be received from a merchant system, and theauthorization request may include the sequence of words. Additionally oralternatively, a reconstructed subset of digits for each word of thesequence of words may be determined. Additionally or alternatively, thereconstructed subsets of digits may be combined into a reconstructedaccount identifier number. Additionally or alternatively, thereconstructed account identifier number may be determined to match theaccount identifier number of the customer. Additionally oralternatively, the payment transaction may be processed using theaccount identifier number of the customer.

Further embodiments are set forth in the following numbered clauses:

Clause 1: A method for representing an account identifier number of acustomer with a sequence of words, comprising: dividing, with at leastone processor, a account identifier number of a customer into aplurality of subsets of digits; determining, with at least oneprocessor, a respective word from a database of words for eachrespective subset of digits of the plurality of subsets of digits;combining, with at least one processor, the respective words for theplurality of subsets of digits into a sequence of words; and providing,with at least one processor, the sequence of words to a customer deviceof the customer.

Clause 2: The method of clause 1, wherein the plurality of subsets ofdigits comprises a first subset of three digits, a second subset of fourdigits, a third subset of four digits, and a fourth subset of fourdigits.

Clause 3: The method of clauses 1 or 2, wherein the respective word forthe first subset comprises an adverb, the respective word for the secondsubset comprises a first adjective, the respective word for the thirdsubset comprises a second adjective, and the respective word for thefourth subset comprises a noun.

Clause 4: The method of any preceding clause, wherein the sequence ofwords comprises, in order, the adverb, the first adjective, the secondadjective, and the noun.

Clause 5: The method of any preceding clause, further comprising:receiving, with at least one processor, a dictionary comprising aplurality of words; filtering, with at least one processor, a portion ofthe plurality of words from the dictionary; and storing, with at leastone processor, a remaining portion of the plurality of words as thedatabase of words.

Clause 6: The method of any preceding clause, further comprising:assigning, with at least one processor, at least one word from thedatabase of words for each possible subset of digits, whereindetermining the respective word from the database of words for eachrespective subset of digits comprises determining, with at least oneprocessor, the at least one word from the database of words assigned toa possible subset of digits corresponding to the respective subset ofdigits.

Clause 7: The method of any preceding clause, further comprising:receiving, with at least one processor, an authorization request for apayment transaction from a merchant system, the authorization requestincluding the sequence of words; determining, with at least oneprocessor, a reconstructed subset of digits for each word of thesequence of words; combining, with at least one processor, thereconstructed subsets of digits into a reconstructed account identifiernumber; determining, with at least one processor, the reconstructedaccount identifier number matches the account identifier number of thecustomer; and processing, with at least one processor, the paymenttransaction using the account identifier number of the customer.

Clause 8: A system for representing an account identifier number of acustomer with a sequence of words, comprising: a transaction serviceprovider system configured to: divide an account identifier number of acustomer into a plurality of subsets of digits; determine a respectiveword from a database of words for each respective subset of digits ofthe plurality of subsets of digits; combine the respective words for theplurality of subsets of digits into a sequence of words; and communicatethe sequence of words over a network.

Clause 9: The system of clause 8, further comprising a customer deviceof the customer configured to receive, from the transaction serviceprovider system over the network, the sequence of words.

Clause 10: The system of clause 8 or 9, wherein the plurality of subsetsof digits comprises a first subset of three digits, a second subset offour digits, a third subset of four digits, and a fourth subset of fourdigits, wherein the respective word for the first subset comprises anadverb, the respective word for the second subset comprises a firstadjective, the respective word for the third subset comprises a secondadjective, and the respective word for the fourth subset comprises anoun, and wherein the sequence of words comprises, in order, the adverb,the first adjective, the second adjective, and the noun.

Clause 11: The system of any one of clauses 8-10, wherein thetransaction service provider system is further configured to: receive adictionary comprising a plurality of words; filter a portion of theplurality of words from the dictionary; and store a remaining portion ofthe plurality of words as the database of words.

Clause 12: The system of any one of clauses 8-11, wherein thetransaction service provider system is further configured to: assign atleast one word from the database of words for each possible subset ofdigits, wherein determining the respective word from the database ofwords for each respective subset of digits comprises determining the atleast one word from the database of words assigned to a possible subsetof digits corresponding to the respective subset of digits.

Clause 13: The system of any one of clauses 8-12, wherein thetransaction service provider system is further configured to: receive,over the network, an authorization request for a payment transactionfrom a merchant system, the authorization request including the sequenceof words; determine a reconstructed subset of digits for each word ofthe sequence of words; combine the reconstructed subsets of digits intoa reconstructed account identifier number; determine the reconstructedaccount identifier number matches the account identifier number of thecustomer; and communicate a second authorization request for the paymenttransaction including the reconstructed account identifier number overthe network.

Clause 14: The system of any one of clauses 8-13, further comprising anissuer system configured to receive, from the transaction serviceprovider system over the network, the second authorization request.

Clause 15: A computer program product for representing an accountidentifier number of a customer with a sequence of words, the computerprogram product comprising at least one non-transitory computer-readablemedium including one or more instructions that, when executed by atleast one processor, cause the at least one processor to: divide anaccount identifier number of a customer into a plurality of subsets ofdigits; determine a respective word from a database of words for eachrespective subset of digits of the plurality of subsets of digits;combine the respective words for the plurality of subsets of digits intoa sequence of words; and provide the sequence of words to a customerdevice of the customer.

Clause 16: The computer program product of clause 15, wherein theplurality of subsets of digits comprises a first subset of three digits,a second subset of four digits, a third subset of four digits, and afourth subset of four digits.

Clause 17: The computer program product of clause 15 or 16, wherein therespective word for the first subset comprises an adverb, the respectiveword for the second subset comprises a first adjective, the respectiveword for the third subset comprises a second adjective, and therespective word for the fourth subset comprises a noun, and wherein thesequence of words comprises, in order, the adverb, the first adjective,the second adjective, and the noun.

Clause 18: The computer program product of any one of clauses 15-17,wherein the one or more instructions, when executed by the at least oneprocessor, further cause the at least one processor to: receive adictionary comprising a plurality of words; filter a portion of theplurality of words from the dictionary; and store a remaining portion ofthe plurality of words as the database of words.

Clause 19: The computer program product of any one of clauses 15-18,wherein the one or more instructions, when executed by the at least oneprocessor, further cause the at least one processor to: assign at leastone word from the database of words for each possible subset of digits,wherein determining the respective word from the database of words foreach respective subset of digits comprises determining the at least oneword from the database of words assigned to a possible subset of digitscorresponding to the respective subset of digits.

Clause 20: The computer program product of any one of clauses 15-19,wherein the one or more instructions, when executed by the at least oneprocessor, further cause the at least one processor to: receive anauthorization request for a payment transaction from a merchant system,the authorization request including the sequence of words; determine areconstructed subset of digits for each word of the sequence of words;combine the reconstructed subsets of digits into a reconstructed accountidentifier number; determine the reconstructed account identifier numbermatches the account identifier number of the customer; and process thepayment transaction using the account identifier number of the customer.

These and other features and characteristics of the presently disclosedsubject matter, as well as the methods of operation and functions of therelated elements of structures and the combination of parts andeconomies of manufacture, will become more apparent upon considerationof the following description and the appended claims with reference tothe accompanying drawings, all of which form a part of thisspecification, wherein like reference numerals designate correspondingparts in the various figures. It is to be expressly understood, however,that the drawings are for the purpose of illustration and descriptiononly and are not intended as a definition of the limits of the disclosedsubject matter. As used in the specification and the claims, thesingular form of “a,” “an,” and “the” include plural referents unlessthe context clearly dictates otherwise.

BRIEF DESCRIPTION OF THE DRAWINGS

Additional advantages and details of the disclosed subject matter areexplained in greater detail below with reference to the exemplaryembodiments that are illustrated in the accompanying figures, in which:

FIG. 1 is a diagram of a non-limiting embodiment of an environment inwhich methods, systems, and/or computer program products, describedherein, may be implemented according to the principles of the presentlydisclosed subject matter;

FIG. 2 is a diagram of a non-limiting embodiment of components of one ormore devices of FIG. 1;

FIG. 3 is a flowchart of a non-limiting embodiment of a process forrepresenting an identifier with a sequence of words according to theprinciples of the presently disclosed subject matter; and

FIG. 4 is a flowchart of a non-limiting embodiment of a process forusing a sequence of words that represents an identifier according to theprinciples of the presently disclosed subject matter.

DESCRIPTION

For purposes of the description hereinafter, the terms “end,” “upper,”“lower,” “right,” “left,” “vertical,” “horizontal,” “top,” “bottom,”“lateral,” “longitudinal,” and derivatives thereof shall relate to thedisclosed subject matter as it is oriented in the drawing figures.However, it is to be understood that the disclosed subject matter mayassume various alternative variations and step sequences, except whereexpressly specified to the contrary. It is also to be understood thatthe specific devices and processes illustrated in the attached drawings,and described in the following specification, are simply exemplaryembodiments or aspects of the disclosed subject matter. Hence, specificdimensions and other physical characteristics related to the embodimentsor aspects disclosed herein are not to be considered as limiting unlessotherwise indicated.

No aspect, component, element, structure, act, step, function,instruction, and/or the like used herein should be construed as criticalor essential unless explicitly described as such. Also, as used herein,the articles “a” and “an” are intended to include one or more items andmay be used interchangeably with “one or more” and “at least one.”Furthermore, as used herein, the term “set” is intended to include oneor more items (e.g., related items, unrelated items, a combination ofrelated and unrelated items, and/or the like) and may be usedinterchangeably with “one or more” or “at least one.” Where only oneitem is intended, the term “one” or similar language is used. Also, asused herein, the terms “has,” “have,” “having,” or the like are intendedto be open-ended terms. Further, the phrase “based on” is intended tomean “based at least partially on” unless explicitly stated otherwise.

As used herein, the terms “communication” and “communicate” may refer tothe reception, receipt, transmission, transfer, provision, and/or thelike of information (e.g., data, signals, messages, instructions,commands, and/or the like). For one unit (e.g., a device, a system, acomponent of a device or system, combinations thereof, and/or the like)to be in communication with another unit means that the one unit is ableto directly or indirectly receive information from and/or transmitinformation to the other unit. This may refer to a direct or indirectconnection (e.g., a direct communication connection, an indirectcommunication connection, and/or the like) that is wired and/or wirelessin nature. Additionally, two units may be in communication with eachother even though the information transmitted may be modified,processed, relayed, and/or routed between the first and second unit. Forexample, a first unit may be in communication with a second unit eventhough the first unit passively receives information and does notactively transmit information to the second unit. As another example, afirst unit may be in communication with a second unit if at least oneintermediary unit (e.g., a third unit located between the first unit andthe second unit) processes information received from the first unit andcommunicates the processed information to the second unit. In somenon-limiting embodiments, a message may refer to a network packet (e.g.,a data packet and/or the like) that includes data. It will beappreciated that numerous other arrangements are possible.

As used herein, the terms “issuer institution,” “portable financialdevice issuer,” “issuer,” or “issuer bank” may refer to one or moreentities that provide accounts to customers for conducting transactions(e.g., payment transactions), such as initiating credit and/or debitpayments. For example, an issuer institution may provide an accountidentifier, such as a personal account number (PAN), to a customer thatuniquely identifies one or more accounts associated with that customer.The account identifier may be embodied on a portable financial device,such as a physical financial instrument, e.g., a payment card, and/ormay be electronic and used for electronic payments. The terms “issuerinstitution” and “issuer institution system” may also refer to one ormore computer systems operated by or on behalf of an issuer institution,such as a server computer executing one or more software applications.For example, an issuer institution system may include one or moreauthorization servers for authorizing a transaction.

As used herein, the term “account identifier” may include one or moretypes of identifiers associated with a user account (e.g., a PAN, aprimary account number, a card number, a payment card number, a token,and/or the like). In some non-limiting embodiments, an issuerinstitution may provide an account identifier (e.g., a PAN, a token,and/or the like) to a user that uniquely identifies one or more accountsassociated with that user. The account identifier may be embodied on aphysical financial instrument (e.g., a portable financial instrument, apayment card, a credit card, a debit card, and/or the like) and/or maybe electronic information communicated to the user that the user may usefor electronic payments. In some non-limiting embodiments, the accountidentifier may be an original account identifier, where the originalaccount identifier was provided to a user at the creation of the accountassociated with the account identifier. In some non-limitingembodiments, the account identifier may be an account identifier (e.g.,a supplemental account identifier) that is provided to a user after theoriginal account identifier was provided to the user. For example, ifthe original account identifier is forgotten, stolen, and/or the like, asupplemental account identifier may be provided to the user. In somenon-limiting embodiments, an account identifier may be directly orindirectly associated with an issuer institution such that an accountidentifier may be a token that maps to a PAN or other type ofidentifier. Account identifiers may be alphanumeric, any combination ofcharacters and/or symbols, and/or the like. An issuer institution may beassociated with a bank identification number (BIN) that uniquelyidentifies the issuer institution.

As used herein, the terms “payment token” or “token” may refer to anidentifier that is used as a substitute or replacement identifier for anaccount identifier, such as a PAN. Tokens may be associated with a PANor other account identifiers in one or more data structures (e.g., oneor more databases and/or the like) such that they can be used to conducta transaction (e.g., a payment transaction) without directly using theaccount identifier, such as a PAN. In some examples, an accountidentifier, such as a PAN, may be associated with a plurality of tokensfor different individuals, different uses, and/or different purposes.For example, a payment token may include a series of numeric and/oralphanumeric characters that may be used as a substitute for an originalaccount identifier. For example, a payment token “4900 0000 0000 0001”may be used in place of a PAN “4147 0900 0000 1234.” In somenon-limiting embodiments, a payment token may be “format preserving” andmay have a numeric format that conforms to the account identifiers usedin existing payment processing networks (e.g., ISO 8583 financialtransaction message format). In some non-limiting embodiments, a paymenttoken may be used in place of a PAN to initiate, authorize, settle, orresolve a payment transaction or represent the original credential inother systems where the original credential would typically be provided.In some non-limiting embodiments, a token value may be generated suchthat the recovery of the original PAN or other account identifier fromthe token value may not be computationally derived (e.g., with a one-wayhash or other cryptographic function). Further, in some non-limitingembodiments, the token format may be configured to allow the entityreceiving the payment token to identify it as a payment token andrecognize the entity that issued the token.

As used herein, the term “provisioning” may refer to a process ofenabling a device to use a resource or service. For example,provisioning may involve enabling a device to perform transactions usingan account. Additionally or alternatively, provisioning may includeadding provisioning data associated with account data (e.g., a paymenttoken representing an account number) to a device.

As used herein, the term “token requestor” may refer to an entity thatis seeking to implement tokenization according to embodiments of thepresently disclosed subject matter. For example, the token requestor mayinitiate a request that a PAN be tokenized by submitting a token requestmessage to a token service provider. Additionally or alternatively, atoken requestor may no longer need to store a PAN associated with atoken once the requestor has received the payment token in response to atoken request message. In some non-limiting embodiments, the requestormay be an application, a device, a process, or a system that isconfigured to perform actions associated with tokens. For example, arequestor may request registration with a network token system, requesttoken generation, token activation, token de-activation, token exchange,other token lifecycle management related processes, and/or any othertoken related processes. In some non-limiting embodiments, a requestormay interface with a network token system through any suitablecommunication network and/or protocol (e.g., using HTTPS, SOAP and/or anXML interface among others). For example, a token requestor may includecard-on-file merchants, acquirers, acquirer processors, payment gatewaysacting on behalf of merchants, payment enablers (e.g., originalequipment manufacturers, mobile network operators, and/or the like),digital wallet providers, issuers, third-party wallet providers, paymentprocessing networks, and/or the like. In some non-limiting embodiments,a token requestor may request tokens for multiple domains and/orchannels. Additionally or alternatively, a token requestor may beregistered and identified uniquely by the token service provider withinthe tokenization ecosystem. For example, during token requestorregistration, the token service provider may formally process a tokenrequestor's application to participate in the token service system. Insome non-limiting embodiments, the token service provider may collectinformation pertaining to the nature of the requestor and relevant useof tokens to validate and formally approve the token requestor andestablish appropriate domain restriction controls. Additionally oralternatively, successfully registered token requestors may be assigneda token requestor identifier that may also be entered and maintainedwithin the token vault. In some non-limiting embodiments, tokenrequestor identifiers may be revoked and/or token requestors may beassigned new token requestor identifiers. In some non-limitingembodiments, this information may be subject to reporting and audit bythe token service provider.

As used herein, the term a “token service provider” may refer to anentity including one or more server computers in a token service systemthat generates, processes and maintains payment tokens. For example, thetoken service provider may include or be in communication with a tokenvault where the generated tokens are stored. Additionally oralternatively, the token vault may maintain one-to-one mapping between atoken and a PAN represented by the token. In some non-limitingembodiments, the token service provider may have the ability to setaside licensed BINs as token BINs to issue tokens for the PANs that maybe submitted to the token service provider. In some non-limitingembodiments, various entities of a tokenization ecosystem may assume theroles of the token service provider. For example, payment networks andissuers or their agents may become the token service provider byimplementing the token services according to non-limiting embodiments ofthe presently disclosed subject matter. Additionally or alternatively, atoken service provider may provide reports or data output to reportingtools regarding approved, pending, or declined token requests, includingany assigned token requestor ID. The token service provider may providedata output related to token-based transactions to reporting tools andapplications and present the token and/or PAN as appropriate in thereporting output. In some non-limiting embodiments, the EMVCo standardsorganization may publish specifications defining how tokenized systemsmay operate. For example, such specifications may be informative, butthey are not intended to be limiting upon any of the presently disclosedsubject matter.

As used herein, the term “token vault” may refer to a repository thatmaintains established token-to-PAN mappings. For example, the tokenvault may also maintain other attributes of the token requestor that maybe determined at the time of registration and/or that may be used by thetoken service provider to apply domain restrictions or other controlsduring transaction processing. In some non-limiting embodiments, thetoken vault may be a part of a token service system. For example, thetoken vault may be provided as a part of the token service provider.Additionally or alternatively, the token vault may be a remoterepository accessible by the token service provider. In somenon-limiting embodiments, token vaults, due to the sensitive nature ofthe data mappings that are stored and managed therein, may be protectedby strong underlying physical and logical security. Additionally oralternatively, a token vault may be operated by any suitable entity,including a payment network, an issuer, clearing houses, other financialinstitutions, transaction service providers, and/or the like.

As used herein, the term “merchant” may refer to one or more entities(e.g., operators of retail businesses that provide goods and/orservices, and/or access to goods and/or services, to a user (e.g., acustomer, a consumer, a customer of the merchant, and/or the like) basedon a transaction (e.g., a payment transaction)). As used herein,“merchant system” may refer to one or more computer systems operated byor on behalf of a merchant, such as a server computer executing one ormore software applications. As used herein, the term “product” may referto one or more goods and/or services offered by a merchant.

As used herein, a “point-of-sale (POS) device” may refer to one or moredevices, which may be used by a merchant to initiate transactions (e.g.,a payment transaction), engage in transactions, and/or processtransactions. For example, a POS device may include one or morecomputers, peripheral devices, card readers, near-field communication(NFC) receivers, radio frequency identification (RFID) receivers, and/orother contactless transceivers or receivers, contact-based receivers,payment terminals, computers, servers, input devices, and/or the like.

As used herein, a “point-of-sale (POS) system” may refer to one or morecomputers and/or peripheral devices used by a merchant to conduct atransaction. For example, a POS system may include one or more POSdevices and/or other like devices that may be used to conduct a paymenttransaction. A POS system (e.g., a merchant POS system) may also includeone or more server computers programmed or configured to process onlinepayment transactions through webpages, mobile applications, and/or thelike.

As used herein, the term “transaction service provider” may refer to anentity that receives transaction authorization requests from merchantsor other entities and provides guarantees of payment, in some casesthrough an agreement between the transaction service provider and theissuer institution. In some non-limiting embodiments, a transactionservice provider may include a credit card company, a debit cardcompany, and/or the like. As used herein, the term “transaction serviceprovider system” may also refer to one or more computer systems operatedby or on behalf of a transaction service provider, such as a transactionprocessing server executing one or more software applications. Atransaction processing server may include one or more processors and, insome non-limiting embodiments, may be operated by or on behalf of atransaction service provider.

As used herein, the term “acquirer” may refer to an entity licensed bythe transaction service provider and approved by the transaction serviceprovider to originate transactions (e.g., payment transactions) using aportable financial device associated with the transaction serviceprovider. As used herein, the term “acquirer system” may also refer toone or more computer systems, computer devices, and/or the like operatedby or on behalf of an acquirer. The transactions the acquirer mayoriginate may include payment transactions (e.g., purchases, originalcredit transactions (OCTs), account funding transactions (AFTs), and/orthe like). In some non-limiting embodiments, the acquirer may beauthorized by the transaction service provider to assign merchant orservice providers to originate transactions using a portable financialdevice of the transaction service provider. The acquirer may contractwith payment facilitators to enable the payment facilitators to sponsormerchants. The acquirer may monitor compliance of the paymentfacilitators in accordance with regulations of the transaction serviceprovider. The acquirer may conduct due diligence of the paymentfacilitators and ensure that proper due diligence occurs before signinga sponsored merchant. The acquirer may be liable for all transactionservice provider programs that the acquirer operates or sponsors. Theacquirer may be responsible for the acts of the acquirer's paymentfacilitators, merchants that are sponsored by an acquirer's paymentfacilitators, and/or the like. In some non-limiting embodiments, anacquirer may be a financial institution, such as a bank.

As used herein, the terms “electronic wallet,” “electronic wallet mobileapplication,” and “digital wallet” may refer to one or more electronicdevices and/or one or more software applications configured to initiateand/or conduct transactions (e.g., payment transactions, electronicpayment transactions, and/or the like). For example, an electronicwallet may include a user device (e.g., a mobile device) executing anapplication program and server-side software and/or databases formaintaining and providing transaction data to the user device. As usedherein, the term “electronic wallet provider” may include an entity thatprovides and/or maintains an electronic wallet and/or an electronicwallet mobile application for a user (e.g., a customer). Examples of anelectronic wallet provider include, but are not limited to, GoogleWallet™, Android Pay®, Apple Pay®, and Samsung Pay®. In somenon-limiting examples, a financial institution (e.g., an issuerinstitution) may be an electronic wallet provider. As used herein, theterm “electronic wallet provider system” may refer to one or morecomputer systems, computer devices, servers, groups of servers, and/orthe like operated by or on behalf of an electronic wallet provider.

As used herein, the term “portable financial device” may refer to apayment card (e.g., a credit or debit card), a gift card, a smartcard,smart media, a payroll card, a healthcare card, a wrist band, amachine-readable medium containing account information, a keychaindevice or fob, an RFID transponder, a retailer discount or loyalty card,a cellular phone, an electronic wallet mobile application, a personaldigital assistant (PDA), a pager, a security card, a computer, an accesscard, a wireless terminal, a transponder, and/or the like. In somenon-limiting embodiments, the portable financial device may includevolatile or non-volatile memory to store information (e.g., an accountidentifier, a name of the account holder, and/or the like).

As used herein, the term “payment gateway” may refer to an entity and/ora payment processing system operated by or on behalf of such an entity(e.g., a merchant service provider, a payment service provider, apayment facilitator, a payment facilitator that contracts with anacquirer, a payment aggregator, and/or the like), which provides paymentservices (e.g., transaction service provider payment services, paymentprocessing services, and/or the like) to one or more merchants. Thepayment services may be associated with the use of portable financialdevices managed by a transaction service provider. As used herein, theterm “payment gateway system” may refer to one or more computer systems,computer devices, servers, groups of servers, and/or the like operatedby or on behalf of a payment gateway and/or to a payment gateway itself.The term “payment gateway mobile application” may refer to one or moreelectronic devices and/or one or more software applications configuredto provide payment services for transactions (e.g., paymenttransactions, electronic payment transactions, and/or the like).

As used herein, the terms “client” and “client device” may refer to oneor more client-side devices or systems (e.g., remote from a transactionservice provider) used to initiate or facilitate a transaction (e.g., apayment transaction). As an example, a “client device” may refer to oneor more POS devices used by a merchant, one or more acquirer hostcomputers used by an acquirer, one or more mobile devices used by auser, and/or the like. In some non-limiting embodiments, a client devicemay be an electronic device configured to communicate with one or morenetworks and initiate or facilitate transactions. For example, a clientdevice may include one or more computers, portable computers, laptopcomputers, tablet computers, mobile devices, cellular phones, wearabledevices (e.g., watches, glasses, lenses, clothing, and/or the like),PDAs, and/or the like. Moreover, a “client” may also refer to an entity(e.g., a merchant, an acquirer, and/or the like) that owns, utilizes,and/or operates a client device for initiating transactions (e.g., forinitiating transactions with a transaction service provider).

As used herein, the term “server” may refer to one or more computingdevices (e.g., processors, storage devices, similar computer components,and/or the like) that communicate with client devices and/or othercomputing devices over a network (e.g., a public network, the Internet,a private network, and/or the like) and, in some examples, facilitatecommunication among other servers and/or client devices. It will beappreciated that various other arrangements are possible. As usedherein, the term “system” may refer to one or more computing devices orcombinations of computing devices (e.g., processors, servers, clientdevices, software applications, components of such, and/or the like).Reference to “a device,” “a server,” “a processor,” and/or the like, asused herein, may refer to a previously-recited device, server, orprocessor that is recited as performing a previous step or function, adifferent server or processor, and/or a combination of servers and/orprocessors. For example, as used in the specification and the claims, afirst server or a first processor that is recited as performing a firststep or a first function may refer to the same or different server orthe same or different processor recited as performing a second step or asecond function.

Non-limiting embodiments of the disclosed subject matter are directed tosystems, methods, and computer program products for representing anidentifier with a sequence of words, including, but not limited to,representing a primary account number (PAN) of a customer with asequence of words. For example, non-limiting embodiments of thedisclosed subject matter provide dividing an account identifier (e.g.,PAN) into a plurality of subsets (e.g., of digits), determining arespective word for each respective subset, and combining the words intoa sequence of words. Such embodiments provide techniques and systems forrepresenting account identifiers (e.g., PANs) with information (e.g., asequence of words) that is easier to use. For example, such a sequenceof words may be easier for a user (e.g., customer) to remember.Additionally or alternatively, such a sequence of words may be lessprone to error e.g., because the user (e.g., customer) may be morelikely to correctly remember the sequence of words and/or may be lesslikely to mistakenly input the sequence of words (e.g., mistype,misspeak, and/or the like). Additionally or alternatively, such asequence of words may be easily used (e.g., input, typed, spoken, and/orthe like) for interactions (e.g., online interactions, online paymenttransactions, card-not-present payment transactions, money transfers,and/or the like) without a need for a separate device (e.g.,identification card, social security card, payment card, debit card,credit card, account identification device, portable financial device,quick response (QR) code, written or electronic copy of username, and/orthe like). Additionally or alternatively, by using such a sequence ofwords, the user need not spend time searching for a record of theidentifier and/or associated device. Additionally or alternatively, sucha sequence of words may include words from a familiar language and/ordictionary (e.g., English words from an English dictionary for anEnglish speaker, French words from a French dictionary for a Frenchspeaker, and/or the like), and the use of words familiar to the user mayimprove the user's ability to remember the sequence of words, improvethe user's confidence is his or her memory of the sequence of words,and/or the like. Additionally or alternatively, a mapping of words topossible subsets (e.g., of digits) may be published as a standard, whichmay promote widespread adoption and/or allow a user (e.g., customerand/or the like) or other entity (e.g., merchant, acquirer, transactionservice provider, issuer, and/or the like) to quickly determine asequence of words for representing an identifier (e.g., PAN) or quicklyreconstruct an identifier (e.g., reconstructed PAN) based on a sequenceof words. Additionally or alternatively, such a sequence of words mayincrease a user's (e.g., customer's and/or the like) propensity tointeract (e.g., online interactions, payment transactions, moneytransfers, and/or the like), e.g., because such user may more easilyremember the sequence of words (e.g., compared to the identifierrepresented thereby) and/or because the use of the sequence of wordswill be less prone to error in such interactions. Additionally oralternatively, for users that have difficulty with technological devicesdevice (e.g., portable financial devices, quick response (QR) codedevices, electronic copies of usernames, and/or the like), a sequence ofwords may be easier to use than such technological devices. Non-limitingembodiments of the disclosed subject matter provide using a hashfunction (e.g., minimal perfect hash function) to represent anidentifier (e.g., PAN) with a sequence of words. Such embodimentsprovide techniques and systems for representing account identifiers(e.g., PANs) that allow for distributing (e.g., communicating) a hashfunction or selected set(s) of hash functions while obviating and/oravoiding distribution of a lookup table and/or dictionary or words. Forexample, a transaction service provider system may store such a lookuptable, but only a limited set of hash functions (e.g., a first functionthat returns an integer based on an input word and/or a second functionthat returns an indication whether a word is valid) may be distributedto other systems and/or devices connected via networks (e.g., issuersystems, customer devices, merchant systems, acquirer systems, and/orthe like). As such, transaction service provider system may generate asequence of words representing the identifier (e.g., PAN) that can beused by the other systems and/or devices without exposing the lookuptable for such a mapping between words and numbers. Additionally oralternatively, security may be improved because it may be very difficultfor an attacker to predict a sequence of words representing anidentifier (e.g., PAN) based solely on the (distributed) hashfunction(s) without the lookup table.

For the purpose of illustration, in the following description, while thepresently disclosed subject matter is described with respect to methods,systems, and computer program products for representing an identifierwith a sequence of words, e.g., representing a primary account number(PAN) of a customer with a sequence of words, one skilled in the artwill recognize that the disclosed subject matter is not limited to theillustrative embodiments. For example, the methods, systems, andcomputer program products described herein may be used with a widevariety of settings, such as representing a number and/or identifier asa sequence of words in any setting suitable for using such number and/oridentifier, e.g., to identify individuals, objects, things, devices,equipment, computers, computer systems, virtual items, places, events,and/or the like.

Referring now to FIG. 1, FIG. 1 is a diagram of a non-limitingembodiment of an environment 100 in which systems, products, and/ormethods, as described herein, may be implemented. As shown in FIG. 1,environment 100 includes transaction service provider system 102, issuersystem 104, customer device 106, merchant system 108, acquirer system110, and network 112.

Transaction service provider system 102 may include one or more devicescapable of receiving information from and/or communicating informationto issuer system 104, customer device 106, merchant system 108, and/oracquirer system 110 via network 112. For example, transaction serviceprovider system 102 may include a computing device, such as a server(e.g., a transaction processing server), a group of servers, and/orother like devices. In some non-limiting embodiments, transactionservice provider system 102 may be associated with a transaction serviceprovider as described herein. In some non-limiting embodiments,transaction service provider system 102 may be in communication with adata storage device, which may be local or remote to transaction serviceprovider system 102. In some non-limiting embodiments, transactionservice provider system 102 may be capable of receiving informationfrom, storing information in, communicating information to, or searchinginformation stored in the data storage device.

Issuer system 104 may include one or more devices capable of receivinginformation and/or communicating information to transaction serviceprovider system 102, customer device 106, merchant system 108, and/oracquirer system 110 via network 112. For example, issuer system 104 mayinclude a computing device, such as a server, a group of servers, and/orother like devices. In some non-limiting embodiments, issuer system 104may be associated with an issuer institution as described herein. Forexample, issuer system 104 may be associated with an issuer institutionthat issued a credit account, debit account, credit card, debit card,and/or the like to a user associated with customer device 106.

Customer device 106 may include one or more devices capable of receivinginformation from and/or communicating information to transaction serviceprovider system 102, issuer system 104, merchant system 108, and/oracquirer system 110 via network 112. Additionally or alternatively, eachcustomer device 106 may include a device capable of receivinginformation from and/or communicating information to other customerdevices 106 via network 112, another network (e.g., an ad hoc network, alocal network, a private network, a virtual private network, and/or thelike), and/or any other suitable communication technique. For example,customer device 106 may include a client device and/or the like. In somenon-limiting embodiments, customer device 106 may or may not be capableof receiving information (e.g., from merchant system 108 or from anothercustomer device 106) via a short-range wireless communication connection(e.g., an NFC communication connection, an RFID communicationconnection, a Bluetooth® communication connection, a Zigbee®communication connection, and/or the like), and/or communicatinginformation (e.g., to merchant system 108) via a short-range wirelesscommunication connection.

Merchant system 108 may include one or more devices capable of receivinginformation from and/or communicating information to transaction serviceprovider system 102, issuer system 104, customer device 106, and/oracquirer system 110 via network 112. Merchant system 108 may alsoinclude a device capable of receiving information from customer device106 via network 112, a communication connection (e.g., an NFCcommunication connection, an RFID communication connection, a Bluetooth®communication connection, a Zigbee® communication connection, and/or thelike) with customer device 106, and/or the like, and/or communicatinginformation to customer device 106 via the network, the communicationconnection, and/or the like. In some non-limiting embodiments, merchantsystem 108 may include a computing device, such as a server, a group ofservers, a client device, a group of client devices, and/or other likedevices. In some non-limiting embodiments, merchant system 108 may beassociated with a merchant as described herein. In some non-limitingembodiments, merchant system 108 may include one or more client devices.For example, merchant system 108 may include a client device that allowsa merchant to communicate information to transaction service providersystem 102. In some non-limiting embodiments, merchant system 108 mayinclude one or more devices, such as computers, computer systems, and/orperipheral devices capable of being used by a merchant to conduct atransaction with a user. For example, merchant system 108 may include aPOS device and/or a POS system.

Acquirer system 110 may include one or more devices capable of receivinginformation from and/or communicating information to transaction serviceprovider system 102, issuer system 104, customer device 106, and/ormerchant system 108 via network 112. For example, acquirer system 110may include a computing device, a server, a group of servers, and/or thelike. In some non-limiting embodiments, acquirer system 110 may beassociated with an acquirer as described herein.

Network 112 may include one or more wired and/or wireless networks. Forexample, network 112 may include a cellular network (e.g., a long-termevolution (LTE) network, a third generation (3G) network, a fourthgeneration (4G) network, a code division multiple access (CDMA) network,and/or the like), a public land mobile network (PLMN), a local areanetwork (LAN), a wide area network (WAN), a metropolitan area network(MAN), a telephone network (e.g., the public switched telephone network(PSTN)), a private network (e.g., a private network associated with atransaction service provider), an ad hoc network, an intranet, theInternet, a fiber optic-based network, a cloud computing network, and/orthe like, and/or a combination of these or other types of networks.

The number and arrangement of systems, devices, and/or networks shown inFIG. 1 are provided as an example. There may be additional systems,devices, and/or networks; fewer systems, devices, and/or networks;different systems, devices, and/or networks; and/or differently arrangedsystems, devices, and/or networks than those shown in FIG. 1.Furthermore, two or more systems or devices shown in FIG. 1 may beimplemented within a single system or device, or a single system ordevice shown in FIG. 1 may be implemented as multiple, distributedsystems or devices. Additionally or alternatively, a set of systems(e.g., one or more systems) or a set of devices (e.g., one or moredevices) of environment 100 may perform one or more functions describedas being performed by another set of systems or another set of devicesof environment 100.

Referring now to FIG. 2, FIG. 2 is a diagram of example components of adevice 200. Device 200 may correspond to one or more devices oftransaction service provider system 102, one or more devices of issuersystem 104, customer device 106, one or more devices of merchant system108, and/or one or more devices of acquirer system 110. In somenon-limiting embodiments, transaction service provider system 102,issuer system 104, customer device 106, merchant system 108, and/oracquirer system 110 may include at least one device 200 and/or at leastone component of device 200. As shown in FIG. 2, device 200 may includebus 202, processor 204, memory 206, storage component 208, inputcomponent 210, output component 212, and communication interface 214.

Bus 202 may include a component that permits communication among thecomponents of device 200. In some non-limiting embodiments, processor204 may be implemented in hardware, firmware, or a combination ofhardware and software. For example, processor 204 may include aprocessor (e.g., a central processing unit (CPU), a graphics processingunit (GPU), an accelerated processing unit (APU), and/or the like), amicroprocessor, a digital signal processor (DSP), and/or any processingcomponent (e.g., a field-programmable gate array (FPGA), anapplication-specific integrated circuit (ASIC), and/or the like), and/orthe like, which can be programmed to perform a function. Memory 206 mayinclude random access memory (RAM), read only memory (ROM), and/oranother type of dynamic or static storage device (e.g., flash memory,magnetic memory, optical memory, and/or the like) that storesinformation and/or instructions for use by processor 204.

Storage component 208 may store information and/or software related tothe operation and use of device 200. For example, storage component 208may include a hard disk (e.g., a magnetic disk, an optical disk, amagneto-optic disk, a solid state disk, and/or the like), a compact disc(CD), a digital versatile disc (DVD), a floppy disk, a cartridge, amagnetic tape, and/or another type of computer-readable medium, alongwith a corresponding drive.

Input component 210 may include a component that permits device 200 toreceive information, such as via user input (e.g., a touch screendisplay, a keyboard, a keypad, a mouse, a button, a switch, amicrophone, a camera, and/or the like). Additionally or alternatively,input component 210 may include a sensor for sensing information (e.g.,a global positioning system (GPS) component, an accelerometer, agyroscope, an actuator, and/or the like). Output component 212 mayinclude a component that provides output information from device 200(e.g., a display, a speaker, one or more light-emitting diodes (LEDs),and/or the like).

Communication interface 214 may include a transceiver-like component(e.g., a transceiver, a receiver and transmitter that are separate,and/or the like) that enables device 200 to communicate with otherdevices, such as via a wired connection, a wireless connection, or acombination of wired and wireless connections. Communication interface214 may permit device 200 to receive information from another deviceand/or provide information to another device. For example, communicationinterface 214 may include an Ethernet interface, an optical interface, acoaxial interface, an infrared interface, a radio frequency (RF)interface, a universal serial bus (USB) interface, a Wi-Fi® interface, aBluetooth® interface, a Zigbee® interface, a cellular network interface,and/or the like.

Device 200 may perform one or more processes described herein. Device200 may perform these processes based on processor 204 executingsoftware instructions stored by a computer-readable medium, such asmemory 206 and/or storage component 208. A computer-readable medium(e.g., a non-transitory computer-readable medium) is defined herein as anon-transitory memory device. A non-transitory memory device includesmemory space located inside of a single physical storage device ormemory space spread across multiple physical storage devices.

Software instructions may be read into memory 206 and/or storagecomponent 208 from another computer-readable medium or from anotherdevice via communication interface 214. When executed, softwareinstructions stored in memory 206 and/or storage component 208 may causeprocessor 204 to perform one or more processes described herein.Additionally or alternatively, hardwired circuitry may be used in placeof or in combination with software instructions to perform one or moreprocesses described herein. Thus, embodiments described herein are notlimited to any specific combination of hardware circuitry and software.

The number and arrangement of components shown in FIG. 2 are provided asan example. In some non-limiting embodiments, device 200 may includeadditional components, fewer components, different components, ordifferently arranged components than those shown in FIG. 2. Additionallyor alternatively, a set of components (e.g., one or more components) ofdevice 200 may perform one or more functions described as beingperformed by another set of components of device 200.

Referring now to FIG. 3, FIG. 3 is a flowchart of a non-limitingembodiment of a process 300 for representing an identifier with asequence of words. In some non-limiting embodiments, one or more of thesteps of process 300 may be performed (e.g., completely, partially,and/or the like) by transaction service provider system 102 (e.g., oneor more devices of transaction service provider system 102). In somenon-limiting embodiments, one or more of the steps of process 300 may beperformed (e.g., completely, partially, and/or the like) by anothersystem, another device, another group of systems, or another group ofdevices, separate from or including transaction service provider system102, such as issuer system 104 (e.g., one or more devices of issuersystem 104), customer device 106, merchant system 108 (e.g., one or moredevices of merchant system 108), and/or acquirer system 110 (e.g., oneor more devices of acquirer system 110).

As shown in FIG. 3, at step 310, process 300 may include dividing anidentifier into a plurality of subsets. For example, transaction serviceprovider system 102 (or issuer system 104 or customer device 106) maydivide an identifier into a plurality of subsets. In some non-limitingembodiments, the identifier may include an account identifier (e.g., aPAN, a primary account number, a card number, a payment card number, atoken, and/or the like). For example, transaction service providersystem 102 (or issuer system 104 or customer device 106) may divide theaccount identifier (e.g., a PAN) into a plurality of subsets (e.g., ofdigits).

In some non-limiting embodiments, the identifier may include a PAN,which may include 16 digits. For example, 15 of the 16 digits may befreely usable and one digit (e.g., the last digit) may be a check digitbased on the other 15 digits. Additionally or alternatively, the numberof unique permutations of the 15 digits may be 10¹⁵. In somenon-limiting embodiments, transaction service provider system 102 (orissuer system 104 or customer device 106) may divide the PAN into aplurality of subsets of digits. For example, the 15 or 16 digits of thePAN (e.g., excluding or including the check digit, respectively) may bedivided into any suitable number of subsets.

In some non-limiting embodiments, assuming 15 digits of the PAN (e.g.,excluding the check digit) are to be divided into subsets, transactionservice provider system 102 (or issuer system 104 or customer device106) may divide the 15 digits into two subsets, three subsets, foursubsets, five subsets, and/or the like. For example, transaction serviceprovider system 102 (or issuer system 104 or customer device 106) maydivide the 15 digits of the PAN (e.g., excluding the check digit) into afirst subset of three digits, a second subset of four digits, a thirdsubset of four digits, and a fourth subset of four digits. In somenon-limiting embodiments, a subset of three digits may have 10³ possiblevalues (e.g., 10³ possible subsets of three digits). Additionally oralternatively, a subset of four digits may have 10⁴ possible values(e.g., 10⁴ possible subsets of four digits).

In some non-limiting embodiments, assuming 16 digits of the PAN (e.g.,including the check digit) are to be divided into subsets, transactionservice provider system 102 (or issuer system 104 or customer device106) may divide the 16 digits into two subsets, three subsets, foursubsets, five subsets, and/or the like. For example, transaction serviceprovider system 102 (or issuer system 104 or customer device 106) maydivide the 16 digits of the PAN (e.g., excluding the check digit) intofirst, second, third, and fourth subsets of four digits each. In somenon-limiting embodiments, a subset of four digits may have 10⁴ possiblevalues (e.g., 10⁴ possible subsets of four digits).

In some non-limiting embodiments, any suitable number of characters(e.g., digits, alphanumeric characters, hexadecimal numbers (e.g.,hexits), binary numbers (e.g., bits), and/or the like) of any type ofidentifier (e.g., a PAN, a primary account number, a card number, apayment card number, a token, and/or the like) may be divided into anysuitable number of subsets.

As shown in FIG. 3, at step 320, process 300 may include determining aword for each subset. For example, transaction service provider system102 (or issuer system 104 or customer device 106) may determine arespective word from a database of words for each respective subset ofdigits of the plurality of subsets of digits. In some non-limitingembodiments, referring to the examples above in which 15 or 16 digits ofthe PAN (e.g., excluding or including the check digit, respectively) areto be divided into, e.g., four subsets, transaction service providersystem 102 (or issuer system 104 or customer device 106) may determine arespective word for each of the four subsets (e.g., a first word for thefirst subset, a second word for the second subset, a third word for thethird subset, and a fourth word of the fourth subset.

In some non-limiting embodiments, transaction service provider system102 (or issuer system 104 or customer device 106) may receive (e.g.,over network 112 and/or the like) and/or retrieve (e.g., from memory, adatabase, a server, and/or the like) a dictionary. For example, thedictionary may include a plurality of words. In some non-limitingembodiments, the dictionary may be a dictionary of a language familiarto a user (e.g., customer), such as an English dictionary for an Englishspeaker, a French dictionary for a French speaker, and/or the like. Insome non-limiting embodiments, the dictionary may be any suitabledictionary in any suitable language (and/or any suitable combination oflanguages) in any suitable format (e.g., digital, electronic, and/or thelike). Additionally or alternatively, the words in the dictionary mayinclude metadata, such as labels (e.g., labels for each word related topart of speech, slang terminology, offensive/negative terminology,and/or the like), and/or the like. Additionally or alternatively, thedictionary may be a single file or may be divided into multiple files(e.g., based on syntactic category, part of speech, alphabetic ordering,and/or the like). For the purpose of illustration and not limitation,the dictionary may be an English dictionary, such as the WordNet®lexical database of English, available from Princeton University.

In some non-limiting embodiments, a dictionary may include a certainnumber of words for each different part of speech (e.g., words labeledand/or categorized into at least one part of speech). For example, anEnglish dictionary (e.g., WordNet® lexical database and/or the like) mayinclude over 100,000 nouns (e.g., approximately 117,798 nouns), over20,000 adjectives (e.g., approximately 21,479 adjectives), over 4,000adverbs (e.g., 4,481 adverbs), and over 10,000 verbs (e.g., 11,529verbs).

In some non-limiting embodiments, transaction service provider system102 (or issuer system 104 or customer device 106) may filter (e.g.,remove, discard, and/or the like) a portion of the plurality of wordsfrom the dictionary. For example, any size portion of the plurality ofwords may be filtered out, so long as the remaining portion may includesufficient words to have a unique word for every possible subset. Insome non-limiting embodiments, referring to the examples above in which15 or 16 digits of the PAN (e.g., excluding or including the checkdigit, respectively) are to be divided into, e.g., four subsets, eachthree-digit subset may be 10³ (e.g., 10³ possible subsets of threedigits) possible values, and each four-digit subset may have 10⁴possible values (e.g., 10⁴ possible subsets of four digits). In somenon-limiting embodiments, after filtering, the remaining portion of thedictionary may include at least 1,000 (e.g., 10³) to represent possiblesubsets of three digits and/or may include at least 10,000 (e.g., 10⁴)to represent possible subsets of four digits.

In some non-limiting embodiments, transaction service provider system102 (or issuer system 104 or customer device 106) may filter words fromthe dictionary based on metadata (e.g., labels and/or the like). Forexample, words labeled as slang terminology, offensive/negativeterminology, rarely used terminology, and/or the like may be filteredfrom the dictionary. Additionally or alternatively, words may befiltered from the dictionary based on the length of words (e.g., filterout words longer than a selected and/or predetermined threshold length).Additionally or alternatively, words may be filtered based oncategorization and/or labeling as different parts of speech.

In some non-limiting embodiments, the dictionary may be filtered so thatthe remaining portion of the dictionary may include a sufficient numberof different parts of speech to represent different subsets (e.g., ofdigits). For example, transaction service provider system 102 (or issuersystem 104 or customer device 106) may filter an English dictionary(e.g., WordNet® lexical database and/or the like) that the remainingportion includes at least 10,000 nouns (e.g., 50,000 nouns), at least10,000 adjectives (e.g., 10,000 adjectives), at least 1,000 adverbs(e.g., 4,000 adverbs), and/or at least 1,000 verbs (e.g., 5,000 verbs).Additionally or alternatively, such filtering may reduce the size of thedictionary, e.g., such that the remaining portion is about half the sizeor less of the original dictionary.

In some non-limiting embodiments, the dictionary (or the remainingportion of the dictionary after filtering) may be stored as the databaseof words. For example, transaction service provider system 102 (orissuer system 104 or customer device 106) may store the dictionary (orthe remaining portion of the dictionary after filtering) as the databaseof words.

In some non-limiting embodiments, at least one word from the database ofwords may be assigned for each possible subset of digits. For example,transaction service provider system 102 (or issuer system 104 orcustomer device 106) may assign as least one word of the database ofwords (e.g., the dictionary or the remaining portion of the dictionaryafter filtering) to each possible subset of digits. In some non-limitingembodiments, words may be assigned to possible subsets based onalphabetical order in the database of words, e.g., first word in thedatabase assigned to the first possible value (e.g., 000 for 3-digitsubset, 0000 for 4-digit subset, and/or the like), second word in thedatabase assigned to the second possible value (e.g., 001 for 3-digitsubset, 0001 for 4-digit subset, and/or the like), etc., and/or thelike. Additionally or alternatively, words may be assigned to possiblesubsets based on labeling (e.g., as part of speech and/or the like) andalphabetical order. For example, the first 1,000 or 10,000 nouns in thedatabase may be assigned to the 1,000 or 10,000 possible values ofthree-digit or four-digit subsets, respectively; the first 1,000 or10,000 adjectives in the database may be assigned to the 1,000 or 10,000possible values of three-digit or four-digit subsets, respectively; thefirst 1,000 adverbs may be assigned to the 1,000 possible values ofthree-digit subsets; and/or the first 1,000 verbs may be assigned to the1,000 possible values of three-digit subsets.

In some non-limiting embodiments, words may be assigned (e.g, bytransaction service provider system 102, issuer system 104, or customerdevice 106) to possible subsets based on any suitable technique,including a hash function such as a perfect hash function, dynamicperfect hashing, a minimal perfect hash function, and/or the like. Forexample, a perfect hash function F may transform an n-element set ofwords W into a set of integers, and the function F may uniquely map thewords in the set W onto the range 0 to k, where k≥n−1. Additionally oralternatively, if k≥n−1, the function F may be a minimal perfect hashfunction, in which the n words of the set W may be mapped to nconsecutive integers (e.g., 0 to n−1). For example, the set of words W,or subsets of words (e.g., W₁ for nouns, W₂ for adjectives, W₃ foradverbs, W₄ for verbs, and/or the like) may be received and/or provided,as described herein. In some non-limiting embodiments, a pair of minimalperfect hash functions F and G (or respective pairs of minimal perfecthash functions for respective subsets of words, e,g., F₁ and G₁ for W₁,F₂ and G₂ for W₂, F₃ and G₃ for W₃, F₄ and G₄ for W₄, and/or the like)may be generated using any suitable technique, including a hash functiongenerator such as GNU gperf and/or the like, and the function F mayreturn an integer value given an input word (e.g., a string s) while thefunction G may return an indication (e.g., Boolean value, single bitflag, and/or the like) whether an input word (e.g., a string s) is validand is part of the original set of words W (or a respective subset ofwords, e.g., W₁ for nouns, W₂ for adjectives, W₃ for adverbs, W₄ forverbs, and/or the like), e.g., 1 or True for a valid word and 0 or Falsefor an invalid word. In some non-limiting embodiments, a lookup tablemay be generated and/or stored (e.g, by transaction service providersystem 102, issuer system 104, or customer device 106), and the lookuptable may include the mapping of integers to respective words. In somenon-limiting embodiments, the lookup table may be stored only bytransaction service provider system 102. Additionally or alternatively,the minimal perfect hash function pair F and G (or pairs of minimalperfect hash functions F₁ and G₁, F₂ and G₂, F₃ and G₃, F₄ and G₄,and/or the like) may be communicated by transaction service providersystem 102 to another system and/or device (e.g., issuer system 104,customer device 106, merchant system 108, acquirer system 110, and/orthe like).

In some non-limiting embodiments, at least one word from the database ofwords may be determined for each respective subset (e.g., of digits)based on the word(s) assigned to a possible subset of digitscorresponding to (e.g., matching) the respective subset of digits. Forexample, transaction service provider system 102 (or issuer system 104or customer device 106) may determine which word(s) from the database ofwords are assigned to a possible subset (e.g., of digits) correspondingto (e.g., matching) the respective subset (e.g., of digits). Forexample, transaction service provider system 102 (or issuer system 104or customer device 106) could make the determination based on a mapping(e.g., lookup table, database, and/or the like) associating eachpossible subset (e.g., of digits) with the word(s) assigned thereto.

In some non-limiting embodiments, words may be determined for eachrespective subset (e.g, by transaction service provider system 102,issuer system 104, merchant system 108, acquirer system 110, and/or orcustomer device 106) based on any suitable technique, including a hashfunction such as a perfect hash function, dynamic perfect hashing, aminimal perfect hash function, and/or the like, as described herein. Forexample, if a lookup table based on such a hashing function (e.g.,minimal perfect hash function) is stored (e.g., by transaction serviceprovider system 102, issuer system 104, customer device 106, and/or thelike), the device and/or system upon which the lookup table is storedmay determine the words associated with each subset of digits (e.g.,three- or four-digit subset corresponding to an integer value) based onthe lookup table.

In some non-limiting embodiments, each respective subset may berepresented as a selected part of speech (e.g., noun, pronoun,adjective, determiner, verb, adverb, preposition, conjunction,interjection, and/or the like), which may be determined by thetransaction service provider system 102 (or issuer system 104 orcustomer device 106). For example, referring to the examples above inwhich 15 or 16 digits of the PAN (e.g., excluding or including the checkdigit, respectively) are to be divided into, e.g., four subsets, each ofthe four subsets may be represented by a respective part of speech. Insome non-limiting embodiments, each of the four subsets may berepresented by a respective noun. For example, assuming 50,000 nouns(e.g., after filtering the dictionary into a database of words), 50,000⁴(i.e., 50,000*50,000*50,000*50,000=625×10¹⁶) possible identifiers may berepresented. In some non-limiting embodiments, some of the subsets maybe represented by one part of speech (e.g., adjectives) and some of thesubsets may be represented by another part of speech (e.g., nouns). Forexample, assuming 10,000 adjectives to represent each of the first twosubsets and 50,000 nouns to represent each of the last two subsets(e.g., after filtering the dictionary into a database of words),10,000*10,000*50,000*50,000=25×10¹⁶ possible identifiers may berepresented. In some non-limiting embodiments, the respective word forthe first subset may include an adverb, the respective word for thesecond subset may include a first adjective, the respective word for thethird subset may include a second adjective, and the respective word forthe fourth subset may include a noun. For example, assuming 4,000adverbs, 10,000 adjectives, and 50,000 nouns (e.g., after filtering thedictionary into a database of words), 4,000*10,000*10,000*50,000=2*10¹⁶possible identifiers may be represented.

In some non-limiting embodiments, the sequence of words including anadverb, an adjective, an adjective, and a noun may be easiest for a user(e.g., customer) to remember. For example, such a sequence may besimilar to the natural flow of words in grammar of the particularlanguage (e.g., English). In some non-limiting embodiments, words ofdifferent parts of speech in different order may be used to representidentifiers based on the language and/or a familiar sounding (e.g.,naturally flowing) grammar thereof.

As shown in FIG. 3, at step 330, process 300 may include combining thewords into a sequence. For example, transaction service provider system102 (or issuer system 104 or customer device 106) may combine therespective words for the plurality of subsets of digits into a sequenceof words. For example, referring to the examples above in which 15 or 16digits of the PAN (e.g., excluding or including the check digit,respectively) are to be divided into four subsets, the sequence of wordsmay include, in order, first noun, second, noun, third noun, and fourthnoun; first adjective, second adjective, first noun, and second noun;adverb, first adjective, second adjective, and noun; and/or the like.

As shown in FIG. 3, at step 340, process 300 may include providing thesequence of words to the customer. For example, transaction serviceprovider system 102 (or issuer system 104) may communicate (e.g., vianetwork 112) the sequence of words to customer device 106. Additionallyor alternatively, customer device 106 may receive (e.g., via network112), store, and/or display the sequence of words. In some non-limitingembodiments, transaction service provider system 102 may communicate(e.g., via network 112) the sequence of words to issuer system 104 basedon receiving (e.g., via network 112) a request from issuer system 104,and issuer system 104 may then communicate (e.g., via network 112) thesequence of words to customer device 106.

Referring now to FIG. 4, FIG. 4 is a flowchart of a non-limitingembodiment of a process 400 for using a sequence of words thatrepresents an identifier. In some non-limiting embodiments, one or moreof the steps of process 400 may be performed (e.g., completely,partially, and/or the like) by transaction service provider system 102(e.g., one or more devices of transaction service provider system 102).In some non-limiting embodiments, one or more of the steps of process400 may be performed (e.g., completely, partially, and/or the like) byanother system, another device, another group of systems, or anothergroup of devices, separate from or including transaction serviceprovider system 102, such as issuer system 104 (e.g., one or moredevices of issuer system 104), customer device 106, merchant system 108(e.g., one or more devices of merchant system 108), and/or acquirersystem 110 (e.g., one or more devices of acquirer system 110). In somenon-limiting embodiments, one or more of the steps of process 400 may beperformed subsequent to process 300. In some non-limiting embodiments,one or more of the steps of process 400 may be performed (e.g.,completely, partially, and/or the like) simultaneous with, prior to,and/or independent of process 300.

As shown in FIG. 4, at step 410, process 400 may include receiving amessage with a sequence of words. For example, transaction serviceprovider system 102 (or issuer system 104) may receive (e.g., vianetwork 112) a message including the sequence of words from merchantsystem 108 (or customer device 106 or acquirer 110).

In some non-limiting embodiments, the message may include anauthorization request. For example, transaction service provider system102 (or issuer system 104) may receive (e.g., via network 112) anauthorization request including the sequence of words from merchantsystem 108 (or customer device 106 or acquirer 110). Additionally oralternatively, the authorization request may lack an account identifier(other than the sequence of words representing the account identifier).In some non-limiting embodiments, the sequence of words may be includedin at least one field of the authorization request designated foraccount identifier. In some non-limiting embodiments, the sequence ofwords may be included (e.g., completely, partially, and/or the like) inat least one other field, separate from or including the at least onefield designated for the account identifier, such as a discretionarydata field and/or the like.

As shown in FIG. 4, at step 420, process 400 may include determining areconstructed subset of digits for each word of the sequence. Forexample, transaction service provider system 102 (or issuer system 104)may determine a reconstructed subset of digits for each word of thesequence of words.

In some non-limiting embodiments, transaction service provider system102 (or issuer system 104) may determine the reconstructed subset ofdigits for each word based on the reverse of the technique describedherein at step 320. In some non-limiting embodiments, a reconstructedsubset of digits may be determined for each word of the sequence ofwords based on a possible subset of digits associated with and/orassigned to the respective word, as described herein. For example,transaction service provider system 102 (or issuer system 104 orcustomer device 106) may determine which possible subset (e.g., ofdigits) is associated with and/or assigned to the respective word in thedatabase of words. For example, transaction service provider system 102(or issuer system 104 or customer device 106) could make thedetermination based on a mapping (e.g., lookup table, database, and/orthe like) associating each possible subset (e.g., of digits) with theword(s) assigned thereto. In some non-limiting embodiments, areconstructed subset may be determined (e.g., by transaction serviceprovider system 102, issuer system 104, merchant system 108, acquirersystem 110, and/or or customer device 106) for each respective wordbased on any suitable technique, including a hash function such as aperfect hash function, dynamic perfect hashing, a minimal perfect hashfunction, and/or the like, as described herein. For example, if ahashing function (e.g., minimal perfect hash function) is used to assignword to subsets of digits (e.g., three- or four-digit subsetscorresponding to integer values), the hashing function(s) (e.g., F andG) may be used to determine the reconstructed subsets, as describedherein. For example, a device or system (e.g., transaction serviceprovider system 102, issuer system 104, merchant system 108, acquirersystem 110, and/or or customer device 106) may receive the sequence ofwords, and such device or system may use a hash function (e.g., G) toconfirm whether each word is in the original set of words W, asdescribed herein, and/or use a hash function (e.g., F) to determine(e.g., return) the reconstructed subset of digits (e.g., a three- orfour-digit subset corresponding to an integer value) for each word.

As shown in FIG. 4, at step 430, process 400 may include combining thereconstructed subsets into a reconstructed identifier. For example,transaction service provider system 102 (or issuer system 104) maycombine the reconstructed subsets of digits into a reconstructed accountidentifier (e.g., reconstructed PAN).

As shown in FIG. 4, at step 440, process 400 may include verifying thereconstructed identifier. For example, transaction service providersystem 102 (or issuer system 104) may determine the reconstructedaccount identifier (e.g., reconstructed PAN) matches the accountidentifier (e.g., PAN) of the customer. Additionally or alternatively,transaction service provider system 102 (or issuer system 104) maycalculate a check digit based on the digits of the reconstructedidentifier (e.g., reconstructed PAN) and compare the calculated checkdigit to the check digit of the identifier (e.g., PAN). For example,referring to the examples above in which 15 digits of the PAN (e.g.,excluding the check digit) are represented by the sequence of words,transaction service provider system 102 (or issuer system 104) maycalculate the check digit based on the 15-digit reconstructed PANassociated with the sequence of words and compare the calculated checkdigit to the check digit of the original PAN.

As shown in FIG. 4, at step 450, process 400 may include using thereconstructed identifier. For example, transaction service providersystem 102 (or issuer system 104) may use the reconstructed identifier(e.g., reconstructed PAN) to process a payment transaction as thetransaction service provider system 102 (or issuer system 104) normallywould after receiving the account identifier. In some non-limitingembodiments, transaction service provider system 102 may communicate(e.g., over network 112) a second message (e.g., second authorizationrequest) to issuer system 104, and the second message (e.g., secondauthorization request) may include the reconstructed identifier (e.g.,reconstructed PAN). In some non-limiting embodiments, transactionservice provider system 102 (or issuer system 104) may use the originalidentifier (e.g., PAN) after verification of the reconstructedidentifier.

Although the disclosed subject matter has been described in detail forthe purpose of illustration based on what is currently considered to bethe most practical and preferred embodiments, it is to be understoodthat such detail is solely for that purpose and that the disclosedsubject matter is not limited to the disclosed embodiments, but, on thecontrary, is intended to cover modifications and equivalent arrangementsthat are within the spirit and scope of the appended claims. Forexample, it is to be understood that the presently disclosed subjectmatter contemplates that, to the extent possible, one or more featuresof any embodiment can be combined with one or more features of any otherembodiment.

What is claimed is:
 1. A computer-implemented method to securely processpayment transactions by generating words to replace account identifiersusing one-way hash functions, comprising: receiving, with a transactionservice provider system, a set of words; generating, with thetransaction service provider system, a pair of one-way hash functionsbased on the set of words and a lookup table based on the set of words,the pair of one-way hash functions comprising a first one-way hashfunction to map each respective word in the set of words to a respectiveinteger and a second one-way hash function to indicate whether an inputword is valid and in the set of words, the lookup table comprising amapping of each respective integer to the respective word in the set ofwords; communicating, with the transaction service provider system, thefirst one-way hash function to an issuer system without communicatingthe lookup table; communicating, with the transaction service providersystem, the second one-way hash function to at least one of a merchantsystem or an acquirer system without communicating the lookup table;dividing, with the issuer system, an account identifier number of acustomer into a plurality of subsets of digits; determining, with theissuer system, a respective word from the set of words for eachrespective subset of digits of the plurality of subsets of digits basedon the first one-way hash function; combining, with the issuer system,the respective words for the plurality of subsets of digits into asequence of words; providing, with the issuer system, the sequence ofwords to a customer device of the customer; receiving, with the at leastone of the merchant system or the acquirer system, the sequence of wordsfrom the customer; determining, with the at least one of the merchantsystem or the acquirer system, whether each word of the sequence ofwords is valid and in the set of words based on the second one-way hashfunction; receiving, with the transaction service provider system, anauthorization request for a payment transaction from the at least one ofthe merchant system or the acquirer system, the authorization requestincluding the sequence of words in a field designated for an accountidentifier, the authorization request not including the accountidentifier number; determining, with the transaction service providersystem, a reconstructed subset of digits for each word of the sequenceof words based on the lookup table; combining, with the transactionservice provider system, the reconstructed subsets of digits into areconstructed account identifier number; determining, with thetransaction service provider system, the reconstructed accountidentifier number matches the account identifier number of the customer;communicating, with the transaction service provider system, a secondauthorization request for the payment transaction including thereconstructed account identifier number in the field designated for theaccount identifier to the issuer system; and processing, with the issuersystem, the payment transaction using the reconstructed accountidentifier number as the issuer system would process the paymenttransaction using the account identifier number.
 2. The method of claim1, wherein the plurality of subsets of digits comprises a first subsetof three digits, a second subset of four digits, a third subset of fourdigits, and a fourth subset of four digits.
 3. The method of claim 2,wherein the respective word for the first subset comprises an adverb,the respective word for the second subset comprises a first adjective,the respective word for the third subset comprises a second adjective,and the respective word for the fourth subset comprises a noun.
 4. Themethod of claim 3, wherein the sequence of words comprises, in order,the adverb, the first adjective, the second adjective, and the noun. 5.The method of claim 1, further comprising: receiving, with thetransaction service provider system, a dictionary comprising a pluralityof words; filtering, with the transaction service provider system, aportion of the plurality of words from the dictionary; and storing, withthe transaction service provider system, a remaining portion of theplurality of words as the set of words.
 6. A system to securely processpayment transactions by generating words to replace account identifiersusing one-way hash functions, comprising: a transaction service providersystem configured to: receive a set of words; generate a pair of one-wayhash functions based on the set of words and a lookup table based on theset of words, the pair of one-way hash functions comprising a firstone-way hash function to map each respective word in the set of words toa respective integer and a second one-way hash function to indicatewhether an input word is valid and in the set of words, the lookup tablecomprising a mapping of each respective integer to the respective wordin the set of words; and communicate the first one-way hash functionover a network without communicating the lookup table; communicate thesecond one-way hash function over the network without communicating thelookup table; and an issuer system configured to: receive the firstone-way hash function over the network; divide an account identifiernumber of a customer into a plurality of subsets of digits; determine arespective word from the set of words for each respective subset ofdigits of the plurality of subsets of digits based on the first one-wayhash function; combine the respective words for the plurality of subsetsof digits into a sequence of words; and communicate the sequence ofwords over the network to the customer; at least one of a merchantsystem or an acquirer system configured to: receive the sequence ofwords from the customer; and determine whether each word of the sequenceof words is valid and in the set of words based on the second one-wayhash function, wherein the transaction service provider system isfurther configured to: receive, over the network, an authorizationrequest for a payment transaction from the at least one of the merchantsystem or the acquirer system, the authorization request including thesequence of words in a field designated for an account identifier, theauthorization request not including the account identifier number;determine a reconstructed subset of digits for each word of the sequenceof words based on the lookup table; combine the reconstructed subsets ofdigits into a reconstructed account identifier number; determine thereconstructed account identifier number matches the account identifiernumber of the customer; and communicate a second authorization requestfor the payment transaction including the reconstructed accountidentifier number in the field designated for the account identifierover the network to the issuer system, wherein the issuer system isfurther configured to: process the payment transaction using thereconstructed account identifier number as the issuer system wouldprocess the payment transaction using the account identifier number. 7.The system of claim 6, further comprising a customer device of thecustomer configured to receive, from the issuer system over the network,the sequence of words.
 8. The system of claim 6, wherein the pluralityof subsets of digits comprises a first subset of three digits, a secondsubset of four digits, a third subset of four digits, and a fourthsubset of four digits, wherein the respective word for the first subsetcomprises an adverb, the respective word for the second subset comprisesa first adjective, the respective word for the third subset comprises asecond adjective, and the respective word for the fourth subsetcomprises a noun, and wherein the sequence of words comprises, in order,the adverb, the first adjective, the second adjective, and the noun. 9.The system of claim 6, wherein the transaction service provider systemis further configured to: receive a dictionary comprising a plurality ofwords; filter a portion of the plurality of words from the dictionary;and store a remaining portion of the plurality of words as the set ofwords.